GitHub Copilot vs Refact.ai
GitHub Copilot
github.comRefact.ai
refact.aiSide by side
| Figure | GitHub Copilot | Refact.ai |
|---|---|---|
| Price from | $10/mo | $10/mo |
| Free plan | Yes | Yes |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | — |
| Windows | Yes | Yes |
| macOS | Yes | Yes |
| Linux | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | — | Yes |
| Self-hosted | — | Yes |
| Plans published | 18 | 3 |
| Spec score · AI Coding Assistants | 9.5 (#1) | 9.3 (#5) |
| Spec score · AI Code Generators | 9.1 (#8) | 8.8 (#16) |
| Coding agent | Yes | Yes |
| Agent workflows | Copilot can launch work from GitHub, track multiple agents, review changes, and merge completed work from its desktop workspace. | The agent can plan, execute, and deploy coding tasks, and users can preview and control its process. |
| Chat assistance | Yes | Yes |
| Codebase indexing | Yes | Yes |
| Code completion | Yes | Refact.ai predicts code in real time and says its completion uses Qwen2.5-Coder and retrieval-augmented generation. |
| Free plan | Yes | Yes |
| Integrations | Copilot works with GitHub, IDEs, the CLI, project tools, chat apps, and custom MCP servers. | The maker lists GitHub, GitLab, Docker, PostgreSQL, MySQL, databases, CI/CD pipelines, and MCP among its integrations and tools. |
| Supported IDEs | Visual Studio Code,Visual Studio,JetBrains IDEs,Eclipse,Xcode | VS Code,JetBrains,Visual Studio,Neovim,Sublime Text |
| Terminal access | Yes | Yes |
Plans
GitHub Copilot
- FreeFree
- FreeFree
- Pro$10 a month
- Pro$10 a month
- Pro+$39 a month
- Pro+$39 a month
- Max$100 a month
- Max$100 a month
- Business$19 a month
- Enterprise$39 a month
In their own words
GitHub Copilot
GitHub Copilot provides contextual assistance across software development, including inline code suggestions, chat, code explanations and answers to documentation questions. It works on GitHub and in editors including Visual Studio Code, Visual Studio, Xcode, JetBrains IDEs, Vim, Neovim, Eclipse and Azure Data Studio; GitHub Mobile supports Android and iOS. Copilot CLI is included with all plans, and the tool can index codebases and work with terminals. Agent workflows can launch work from GitHub, track agents, review changes and merge completed work. The Free plan gives eligible individual developers 2,000 code completions and 50 chat requests per month, with community support; eligibility excludes people with organizational or enterprise Copilot access. Pro costs $10 a month, Pro+ $39 a month and Max $100 a month. Business is $19 seat per month, and Enterprise is $39 seat per month. Paid plans have unlimited code completions, while chat, agents, code review, CLI and Copilot Apps consume GitHub AI Credits. Suggestions are probabilistic; models are trained on natural language and publicly available source code.
Refact.ai
Refact.ai is a free, open-source autonomous AI coding agent for software development. It provides real-time code completion, in-IDE chat and agent workflows that can plan, execute and deploy coding tasks while letting users preview and control the process. Chat supports natural-language questions, editing, debugging and code generation. Repository analysis, retrieval-augmented generation and codebase indexing provide project-aware context, and terminal access is available. The maker says it supports more than 25 programming languages. Plugins are listed for VS Code and JetBrains, with Visual Studio, Neovim and Sublime Text marked beta. Platforms include Windows, macOS, Linux, API, extension and self-hosted deployment. Local use can connect to configured providers or runtimes such as OpenAI, Anthropic, Gemini, Ollama, LM Studio and vLLM. The Free plan costs nothing for personal and hobby projects. Pro costs $10 a month for professional use. Hosted accounts and cloud features are being retired.